As a self-employed person without employees (zzp'er) in Zoetermeer, you do not receive a pension through an employer. It is crucial to provide for a financial buffer for your old age yourself. Fortunately, there are various options available.
Why is building your own pension essential?
As a zzp'er, you are entitled to AOW, but this amount is often insufficient to live comfortably. Therefore, it is advisable to build up supplementary pension.
Options for zzp'ers in Zoetermeer
| Option | Advantage | Disadvantage |
|---|---|---|
| Annuity (insurance) | Tax advantage, guaranteed income | Little flexibility |
| Annuity (bank savings) | Tax advantage, freedom in investing | Investment risk |
| Investing | Chance of high return | Risk, no tax benefit |
| Saving | Safe and flexible | No tax benefit, low return |
| Own home | No rent costs later | Not liquid, value fluctuations |
Calculate annual allowance and reserve allowance
You can invest a certain amount tax-deductibly for your pension:
- Annual allowance: dependent on your income from the previous year
- Reserve allowance: unused annual allowance from previous years
- Calculate this using tools from the Tax Authorities
Participation in a pension fund
For some zzp'ers in Zoetermeer, voluntary participation in a pension fund is possible:
- This is possible if you previously worked as an employee in the same industry
- Or via a fund specifically for self-employed persons
Frequently asked questions about pension as a zzp'er
How much should I save for my pension?
A guideline is 10-15% of your turnover. Check on mijnpensioenoverzicht.nl how much you need.
What is more tax-efficient: annuity or regular saving?
An annuity offers a tax benefit: you pay less tax now and later upon payout.
Can I withdraw my annuity prematurely?
No, withdrawal is only possible from 5 years before your AOW age, otherwise revision interest applies.
Help in Zoetermeer
For legal advice on pension arrangements, you can go to the Juridisch Loket Zoetermeer. In addition, Zoetermeer falls under the district of the Rechtbank Den Haag for any disputes.